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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mmf and kapama limited


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Hi wondering if any one can help or advise

 

New to the forum

 

Hi yesterday we randomly recieved a letter from mmf debt purchase and recovery

 

Total balance £628

 

No idea what this is and nothing to that ammount on my credit file that i can see

 

Buried my head a few year ago .. now trying to get back on track ...

 

 

Any advice would be great .. think was a payday loan but unsure . Nothing is mentioned in the letter

 

 

Also the day before

 

 

Checked on clear score as i do regular and things were improving .. trying to get my score up after years of burying my head .. pay day loans etc ..

 

Today i see a new one

 

Listed as

Kapama limited (I)

 

Current balance £936

 

Opening balance £189

 

ACCOUNT OPENED

14th March 2014

 

Had no corrspondence

Although i have moved over 2 year now

 

Ok do i contact them ?

Which would mean giving current address ?

Leave alone ?

 

Reading so much regarding these people and how they trade and cant supply the correct info when requested .

 

Also how can £189 b3come £936

 

If any one can advise would be great

 

 

Also i had a previous dept with british gas in 2014... paid now in full towards end of last year but still showing even though it says balance zero ? Should this be marked as a positive

 

 

 

 

 

Thanks

In advance

 

Dave

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Sorry should also have added .. i checked via clear score .. i dont have a debit or credit card so dont think i can get a score from any one else .

 

3 / 4 year ago in a bit of a mess .

Breaking down relationship . Work was getting minimal . Sufferd with depression etc .. all lead to a full break down ... lost everything back then ..now have a new life and happily married . In a different part of england and now just trying to get everything in order .

 

Im self employed . My wife is a full time carer for her oldest son with aspegers .. she has two more and kids and the yougest is 12.

 

Any advice realy apreciated

 

Thanks

 

Dave

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send MMF and Kampla a CCA request

that way they have your correct address and cant get a backdoor CCJ.

you should ALWAYS inform creditors of a change of address or backdoor CCJ's can appear to bit you

 

 

as for British gas

even if you paid it off

a default is a default and its there for 6yrs regardless to any payment.

 

 

if you had numerous payday loan and already had money issues

then id be investigating a few irresponsible lending complaints to the ORIGINAL LENDERS.

 

 

might even get them wiped

 

 

hiding is NO ANSWER.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if they do not know your correct address I would send a CCA request

that kills two birds.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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